The 7 Most Important Coverages for Your Short-Term Rental

Homeowners insurance was designed many years ago to cover things like fire, theft and liability but things got confusing when you started to run a business out of your home. Home-sharing and short-term rental activities are considered a business and…

Is an Ebike covered by insurance?

Ebikes have electrified the bicycle industry, literally. Ebikes are so common these days that it’s nearly impossible to go on a bike ride on a Corner Canyon trail without seeing one. Ebikes are not only for those who want a…

Are golfers responsible for errant golf balls?

By Agency Owner Lance Anderson October 2022 I have always been under the opinion that the golfer was responsible for the damage or injury caused by an errant golf ball. My father, a long time Allstate agent always used golf…

Is HO6 the same as condo insurance?

Yes! Condo Insurance is also known as an HO6 policy in the insurance industry. Insurance policies have developed over time and HO6 is the policy form used for condos and townhome associations that cover the dwelling. I.e., even if you…

What does monopolistic state mean in workers’ compensation?

Monopolistic states do not allow private companies like those represented by insurance agents to compete in the workers’ compensation market. Coverage is provided solely by the state and must be purchased directly from them. Wyoming, Washington, Ohio and North Dakota…

What are the limitations on personal property in an HO3 Policy?

Most companies that independent insurance agents represent use a universal homeowners insurance form provided by the Insurance Service Offices – ISO called the HO3 policy. Within the HO3 policy there are limitations on personal property items to be aware of.…

When Should I File a Homeowners Insurance Claim?

There is a saying within the insurance industry and as insurance agents we have probably not done a very good job of relaying that message. That message is that homeowner’s insurance is not a “maintenance policy.” What exactly does that…

Blanket Insurance For Apartment & Commercial Buildings

Blanket Insurance is an insurance term that has a few different commercial and personal lines applications. In this article we will focus on blanket coverage for commercial buildings, primarily apartments and other commercial buildings with more than one building on…

Utah High Value Homeowners Insurance

You have worked hard, have a nice home and expect that your homeowners insurance will work hard for you in the event of a claim. Don’t settle for just any homeowners insurance coverage, you need coverage from Anderson Insurance Group…

Are You Requiring Renters Insurance?

At Anderson Insurance Group we have been through many scenarios where landlords call, their rental property has been involved in a fire and their tenant has nowhere to go, no coverage for their “stuff” and the landlord is left with…

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